The most important objective for the investment of assets is to cover the benefits destined for the beneficiaries, which have to be guaranteed with appropriate security at all times.
To justify the investment risk accepted in line with the risk capacity of Swisscanto Flex Collective Foundation, the highest possible yield should be generated without accepting disproportionate risks. The most efficient risk spread across asset classes and markets, currencies, sectors and securities is targeted. The security-specific risk should be minimised through diversification.
With the Flex20, Flex30 and Flex40 investment strategies, Swisscanto Flex Collective Foundation offers a wide range of investment options. The numbers 20, 30 and 40 refer to the strategic equity allocation. The FlexRK investment pool is reserved for the pensioners' pension fund, but is almost identical to the Flex20 strategy.
Our 'Flex collective' product is a group pension solution which invests exclusively in the defensive Flex20 investment pool. 'Flex individual' customers can choose a specific investment pool. The investment pool selected by an affiliated company largely depends on its risk capacity. This risk capacity depends to a large extent on the pension fund's funding ratio, but also on the composition of the portfolio of insured persons and the accrued reserves. If the required target value fluctuation reserves have been raised, switches between investment pools can be made every year.